What exactly is Ping An Zhifu Life B protecting?

1. One policy, thousands of protections.

An insurance policy can be used as a child's pension, education fund, marriage fund, business start-up fund, or as a future medical reserve, pension fund, and if necessary, it can also be converted into relevant protection for all family members.

In the future, whether it is due to illness, raising a beloved child, or having emergency needs for funds in daily life or business, it is easy to cope with capital turnover, and the specific policy value of different policy years of the main insurance can be shown in the "Ping An Zhifu Life Whole Life Insurance (Universal, B) Insurance Interest Calculation Table".

2. Deferred delivery, flexible and convenient.

You can choose any payment period, such as 5 years, 10 years, 20 years, 、..or lifetime payment, etc.; You can also defer the payment of premiums when your income changes in the future, and continue to pay the premiums after three to five years or more. It is also possible to add premiums at one time or multiple times.

3. Avoid tax debts and transfer assets.

According to the relevant laws and regulations, insurance benefits are exempt from income tax and inheritance tax, and insurance benefits are exclusive, and even creditors have no right to claim them. The biggest difference between it and bank deposits is that it can ensure that funds are not frozen in the event of related risks, and it also has functions such as policy mortgages.

4. Adjust the sum insured to meet the needs.

Within a certain range and under certain conditions, the insurance amount can be selected and adjusted at any time and at will, which not only meets the different protection needs of insureds of different ages, but also meets the needs of investors in pursuit of maximizing investment returns.

The plan provides Mr. Sun with an accidental death benefit of $200,000 and an illness death benefit of $200,000 during the payment period

5. Compulsory savings, comprehensive protection.

Bank savings are too easy to access and often can't be saved for many people. This insurance not only has the characteristics of compulsory savings in the early stage of insurance products, but also has the advantages of flexible withdrawal in the later stage, and at the same time, it also has the possibility of resisting inflation and achieving higher investment returns.

6. Firm commitment, good hope.

It has a low and low interest guarantee regulations, so that customers have a sense of security.

Typical case] Ms. Wang, 30 years old, 3 years old son, family happiness, the current concern is to meet the needs of children's growth and prevention of their own diseases and other living emergency fund expenditures, and at the same time to make protection and wealth easily valued, choose to apply for Ping An Zhifu Life Whole Life Insurance"Whatever you want"：

With an annual premium of 5,000 yuan, a plan to pay for 30 years, and a basic sum insured of 100,000 yuan, Ms. Wang can enjoy a minimum death benefit of 100,000 yuan for life.

35-40 years old, family income increased, pay additional premiums of 20,000 yuan per year for six consecutive years;

45-48 years old, my son was admitted to university, and received 10,000 yuan per year for four consecutive years for children's education**;

65 years old, due to health reasons, receive 50,000 yuan as a supplement to medical expenses.

That is to say, a 30-year-old lady has invested 15w in 30 years, and got back 12w between 35-40 (if you express what I mean, I dare to say that you are fooling people, 35-40 years old, that is, the policy has been in effect for 5-10 years, and she has only paid 5w in the accumulated premium, but can she get back 12w?) And once she surrenders the policy, can she get back the cash value? It's really pie in the sky, it's not a fool!

In the four years of 45-48, that is, during the 15-18 years when the policy is in effect, a total of 4w (this number should be the number reflected in the insurance).

At the age of 65 (the 35th year of the effective year of the policy), the pension is 5w

And comes with a 10w lifetime guarantee.

This policy has only a fixed amount and no dividends, which is only suitable for protection (dividends can properly protect against part of inflation).

These things are so complicated, many aspects are the characteristics of ordinary insurance, and they do not reflect the characteristics of this type of insurance, no wonder many of our customers here reflect that they can't understand the terms Maybe this is also an aspect of Ping An people saying that they are professional in financial management

Ping An Healthy Life B Insurance includes hospitalization expenses and non-organ transplant organ transplant surgery expenses, but non-organ transplant organ transplant surgery costs are optional benefits, and you can choose whether to attach these two benefits according to your own protection needs when applying for insurance.

Is it worth buying a safe and healthy life? One article to tell you!

1.Analysis of insurance rules.

The protection period of Part B of Healthy Life Hospitalization Expenses Medical Insurance is only 1 year, which is a short-term medical insurance, and this product can also be guaranteed to be renewed, but every 5 years is a guaranteed renewal period, which means that the insured can be insured for 5 years if the insured renews the insurance once.

Compared with the same type of products on the market that are renewed once a year, the B section of the medical insurance for hospitalization expenses will be more intimate.

How to renew medical insurance and what should I pay attention to? Analysis in one article!

2.Guaranteed content analysis.

The built-in protection of Hospitalization Expenses Medical Insurance B is the hospitalization expenses insurance benefit, and the optional liability is the non-organ transplant surgery expense insurance premium and the organ transplant surgery expense insurance premium.

Among them, the insurance premium for hospitalization expenses is stipulated as follows: 65% of the reasonable and necessary medical expenses actually incurred by the insured within the agreed scope for each hospitalization (not reimbursed by social insurance) will be paid.

The non-organ transplant surgery cost insurance benefit and the organ transplant surgery cost insurance benefit are paid according to 65% of the reasonable and necessary surgical expenses actually incurred by the insured person for each operation within the agreed scope (without social security reimbursement).

So in addition to the medical insurance section B of the hospitalization expenses of Jianxiang Life, what other medical insurance products are worth insuring on the market, the senior sister told you in this article:

The latest top 10 million medical insurance rankings are newly released!

Hello teacher, I am a salesman of Chongqing Ping An Insurance South Bank Branch, I am very willing to answer your question, Ping An additional health life hospitalization expenses medical insurance A is for people without social security, the reimbursement ratio is 80%, and Ping An additional health life hospitalization expenses medical insurance B is for people with social security only 65% reimbursement ratio, if there is anything else to ask, please call the company to consult**95511

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello, I am a financial planner of Ping An Sincere Wealth Management of China. Ruler molds.

Ping An Wisdom Life B is a universal insurance policy with an insurance age of 0-60 Wisdom Life (B).

Issue age: 0-60 years old.

The minimum premium to be paid is $2,000, and the excess is an integer multiple of $500.

The initial premium for the period is 5,000 yuan, with a maximum of 10% and a minimum of 2% above 5,000 yuan

The additional premium shall not be less than $1,000 each time, and the excess amount shall be an integer multiple of $100;

The annual premium is 20,000 yuan, and the maximum additional premium shall not exceed 10 times of the annual premium.

Starting from the 4th policy year, the Holding Bonus will be deferred every year.

The limit of the sum insured shall not be less than 2 times of the premium paid on a regular basis, and shall not be less than 10,000 yuan;

The policy maximum is subject to the product maximum limit schedule.

Insurance LiabilityPolicy Value at the Time of Death Basic Sum Assured Policy Value at the Time of Death Basic Sum Assured.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

First of all, thank you for your support to Ping An, you have purchased this Zhifu Life Insurance universal insurance, compared to yes, as for you heard that the surrender of the policy, it is 3000 less than the money paid, which is very normal, because a part of the cost of protection will be deducted, if you continue to pay for 10 years, when you surrender again, you will not get such an answer, because through the accumulation of time, you have more and more money in the Ping An account, and there is a guarantee, as for you said that you only have a major illness, You can also add accident insurance and accident medical insurance to the premium, which will be more comprehensive, but you need to pay for it.

In addition, what you call the dividend, don't listen to others say that the dividend insurance is better than the universal insurance, because the two insurances are different calculation methods, if you because of the instigation of other salesmen, the universal insurance, the purchase of the dividend insurance, when you call the customer service again to confirm how much money can be refunded, even half can not arrive, then you lose more than you gain. If you feel too much, you can ask yourself to save a little bit every month instead of taking it all out at once, it will be better.

Finally, explain the dividend insurance, the dividends given to you by the insurance company every year are generally used to buy the amount of insurance, but depending on your annual payment amount, the dividends will not be too much, and the amount of insurance purchased is naturally limited, if you are completely out of me for a protection, as for the expiration of the payment period, how much money can be returned, I don't care, I just want a lifelong protection, you can consider buying dividend insurance, if you feel that the money still hopes to get back more, then you had better continue to pay the current rich life. If you are in Beijing, you can consult at any time.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello, 10 years. It is generally recommended to pay for 10 years, and then there is no need to pay, and do not rush to withdraw the money (because which friend and such an insurance type, generally after 10 years of payment, from 11 years, every additional year, there will be a certain amount of interest) so it is not recommended to rush to withdraw money. If you are young, you can use it as a pension account, and after 10 years, you don't need to worry about it until you retire as a pension.

Of course, if you have an emergency after the payment is completed, you can also take out a part appropriately, but it is recommended not to withdraw all of them, and the number of withdrawals accumulated in another year should not exceed 2 times, because after a certain number of times, the insurance company will charge a handling fee of 20 yuan to 30 yuan for each time you take Li Biao.

I bought Ping An Zhifu Life Insurance, I bought it after carefully understanding it, and there is a very detailed insurance plan manual, which is very good! My insurance salesman taught me to reduce the pension at the age of 60, I think it's right, why do you deliberately not adjust, die, why do you want such a high security when you are old? The money deducted is a pension, but more pension is the last word!

You are really "incompetent" and "talkative", and you are speechless when you are bombarded by others! Let's eat a trench and grow wise!

As an actuary, I know very well that no insurance company will lose money.

The buyer wants to get dividends from the insurance company, are you a philanthropist or a welfare home when the insurance company is an insurance company?

Dear friends, everyone should be sober, there is no such thing as a free lunch. How can there be such a good thing for not getting something for nothing.

Hehe, which insurance company is upstairs, right? I've seen people who slander your peers, but I've never seen you so ruthless, just ask you one question, is there an insurance product you sell to customers that doesn't deduct fees? Didn't you? But have you spoken openly to customers like Ping An?

No insurance company wants its customers to die early, and I think everyone understands that you're kidding everyone's IQ.

Thank God for allowing you to complain here, and I hope that in the next 100 years, you will be seen whining here every year.

This is my wish, and I sincerely hope to see your posts every year.

Peace and happiness be to you.

You knew that you would have surrendered the insurance, and you would have bought the life of Chinese Kangning for life.